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Discover CLI AND CLD! (update)

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Regular Contributor

Discover CLI AND CLD! (update)

Update :  Apparently Discover giveth and taketh away on the same day! Looked at account this morning and the $300 increase stuck, the additional $700 I got for calling in is gone. Limit showed $3400 yesterday, but $2700 today. Also have a letter in snail mail today from Disco. Surely they couldn't get a letter about stuff that happened yesterday to me this morning....nobody works that quickly. Oh well it's still a net increase so I'll try not to be too bummed about it.

 

Was over reading the Disco unofficial data points thread and thought I might as well try again since it is a soft pull and last month, or maybe it was August they totally denied my request.

 

Via online luv button (actually I don't see a real button, there's just an option to request more in the pull down menu) I asked,  got a page to update my info, increased what I list as assets since over the last few months I've saved a few more $$ and pressed submit and waited.  A few seconds later,  $300 CLI (my word that's tiny, but at least it wasn't a decline or $100--I've seen some folks lately say they got offered $100).  Kept reading through the thread as I prepared to post my results in it and saw that one should CALL IN to double dip. I thought you just do that online after an AUTO CLI, and sure enough called in, the rep offered $700 more for a total $1000 CLI and I took it. YAY!   This makes Disco my highest limit card ($3400) which is fine for me as I don't want or need too high limits, might fall back into temptations that wrecked things years ago and have to rebuild a third time. Ain't nobody got time for that! So I'm happily sitting in the garden until 2020 when all the inquiries and a couple of baddies drop off. 

 

March 2018-- starting limit $1600 with 627 TU

July 2018-- Auto CLI $500 + $300 double dip via luv button

Aug/Sept-- CLI via luv button DENIED (annoyance induced sock drawer for 1 statement)

October 2018 -- CLI $300 via love button + $700 via call in (out of sock drawer just in time for Amazon Christmas shopping 5%)




Goals: Gardening until November 2020; and FICO 8 Scores reach 750 TU/EX/EQ
Starting Score: 627
Current Score: 696
Goal Score: 750


Take the myFICO Fitness Challenge
Message 1 of 13
12 REPLIES 12
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Senior Contributor

Re: Discover CLI-woo hoo (last request was denied)

Congratulations on your double CLI!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 2 of 13
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Contributor

Re: Discover CLI-woo hoo (last request was denied)

Congratulations!  It really does never hurt to ask :-)

Message 3 of 13
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Established Contributor

Re: Discover CLI-woo hoo (last request was denied)

Congratulations on your DD CLI!

August 2020: Experian 685 Equifax 639 Transunion 654



Gardening until October 2020
Message 4 of 13
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Established Contributor

Re: Discover CLI-woo hoo (last request was denied)

Good greef man. Leave some credit for the rest of us. But really congradulations.

TU:758 06/19/20 Bank of America--EX: 776 06/10/20 Experian--EQ:810 09/25/18 Citi--Gardening since 07/02/20
Active:
Bank of America (Better Balance Rewards M, Cash Rewards WM, Cash Rewards VS), Blispay V, Capital One (Quicksilver VSC, Walmart WMC), Chase(AARP VSC, Amazon Prime VSC, Freedom VSC, Slate VC), Citi Dividend MC, Citizens GreenSense MC, Discover It C, FedEx Employee Credit Association V, FNBO Ducks Unlimited VS, HSBC Cash Rewards WMC, PenFed Platinum Rewards VSC, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M), UMB Bank Simply Rewards V[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC)
Wishlist: AOD Signature, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 5 of 13
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Regular Contributor

Re: Discover CLI-woo hoo (last request was denied)

You want to call Disco to recover the decrease. That happened to me too and it appeared to be a system glitch of some sort! Let us know how it turned out.
BK7 discharged 4-6-16
VentureOne $5500 | NFCU cash rewards $9,000 | NFCU CLOC $15,000 | NFCU GoRewards $14,000 | Discover IT $3,100 | BECU VISA $11,000 | Walmart store card $3500 | Target $5,000 | Kohl's $3000 |
Message 6 of 13
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Regular Contributor

Re: Discover CLI-woo hoo (last request was denied)


@Mama_Pearl wrote:
You want to call Disco to recover the decrease. That happened to me too and it appeared to be a system glitch of some sort! Let us know how it turned out.

Good advice, I just called and they restored the $700. It now shows online as $3400 limit again. Yay! Smiley Happy




Goals: Gardening until November 2020; and FICO 8 Scores reach 750 TU/EX/EQ
Starting Score: 627
Current Score: 696
Goal Score: 750


Take the myFICO Fitness Challenge
Message 7 of 13
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Regular Contributor

Re: Discover CLI-woo hoo (last request was denied)

Yay! That’s great news!
BK7 discharged 4-6-16
VentureOne $5500 | NFCU cash rewards $9,000 | NFCU CLOC $15,000 | NFCU GoRewards $14,000 | Discover IT $3,100 | BECU VISA $11,000 | Walmart store card $3500 | Target $5,000 | Kohl's $3000 |
Message 8 of 13
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Valued Contributor

Re: Discover CLI-woo hoo (last request was denied)


@woodogmom wrote:

@Mama_Pearl wrote:
You want to call Disco to recover the decrease. That happened to me too and it appeared to be a system glitch of some sort! Let us know how it turned out.

Good advice, I just called and they restored the $700. It now shows online as $3400 limit again. Yay! Smiley Happy

 

I am so happy for you Smiley Happy


CONGRATUTIONS.gifCONGRATS.gifimages.duckduckgo.com.jpg

Message 9 of 13
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Community Leader
Mega Contributor

Re: Discover CLI-woo hoo (last request was denied)

Grats snd Sorry, i would call in and ask why
Message 10 of 13
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